you can't change the copays, deductibles, any benefits, employer conclusions. it becomes virtually impossible to grandfather a plan so there's almost no truth to the fact that you can keep your plan if you like it. >> neil: amazing. thank you very much, i think. in the meantime, we are roughly now a little bit more than three hours away. bill gates, on fox business. first, a little teaser on fox news. trust me, you want to stick around for this. ♪ [ male announcer ] start with an all new award winning car. good. now find the most hard core driver in america. that guy, put him in it. what's this? [ male announcer ] tell him he's about to find out. you're about to find out. [ male announcer ] test it. highlight the european chassis, 6 speed manual, dual exhaust, wide stance, clean lines, have him floor it, spin it, punch it, drift it, put it through its paces, is he happy? oh ya, he's happy! [ male announcer ] and that's how you test your car for fun. easy. [ it's not what you think.t's how you test your car for fun. it's a phoenix with 4 wheels. it's a hawk wi